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Security/Fraud Protection

Protecting You -First Trust's Priority

First Trust Bank is committed to keeping you and your money safe and secure. Whether you deal with our bankers face-to-face at one of our branches, make purchases with your First Trust debit card, or log-on to your First Trust Bank online banking account, your personal information is guarded by account services that help to prevent fraud and to protect your financial data. An extra benefit of banking at First Trust is our commitment to knowing our customers and their banking preferences; that personal connection is an important asset in the protection of your security. You see an example of First Trust's fraud protection services every time you log on to our online banking system: the multi-authentication process includes your secure user ID, your frequently-changed password, and a multi-level, multiple channel approach to verifying requests for information.

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Ways First Trust Protects Your Account Information

Security Is Everyone's Responsibity-Your Choices Make a Big Difference!

First Trust Bank works very hard to protect your confidential information. We use many-layered securityfeatures and controls, such as firewalls, encryption, tokens, multifactor and out-of-band authentication to safeguard the security of your personal financial information and transactions. These controls allow us to authenticate your identity whether you call our bank or access our online services and are designed to protect your information and transactions. We constantly monitor and assess the security of our systems.

Use of Firewalls

To protect data stored on our systems and to prevent unauthorized access, we employ firewalls where appropriate. Firewalls are software and hardware products that are intended to define, control and limit the access to a website, network or computer system.

Encryption

Most web browsers have the ability to communicate securely with a website by encrypting the information as it passes across the Internet. This method of communication is called Secure Socket Layer (SSL). First Trust Bank requires the use of a browser which supports 128-bit SSL encryption to log in to the online banking website. If you see a website address that begins with "https" (as opposed to "http") and the address bar is green, you are using an SSL connection to transfer your confidential information

Password Management:

You play a crucial role in preventing others from logging on to your account. Never use easy-to-guess or crack passwords. Examples: Birth dates; First names; Pet names; Addresses, Phone numbers, Social Security numbers, any word found in a dictionary, English or foreign, a password used on another site, anything spelled backwards, or sequences,”12345,” “efghij,” “222222.” Never use passwords derived from information found on your social networking sites, such as your pet’s name. Passwords using a combination of alpha-numeric, caps, and symbols provide exponentially stronger protection. Of course, never reveal your password to another person.

We allow you to enter your password incorrectly a limited number of times; too many incorrect passwords will result in the locking of your online banking account until you call us. A forgotten password feature is available using out-of-band authentication.

Secure Architecture

The computers storing your actual account information are not linked directly to the Internet.

Transactions initiated through the Internet are received by online banking Web servers.

These servers route your transaction through firewall servers.

Firewall servers act as a traffic cop between segments of our online banking network used to store information, and the public Internet.

Multi-factor Authentication

Multi-factor Authentication strengthens the authentication process by adding an additional factor to be validated. Authentication factors include, something the user knows, something the user has (physically in possession of), or something the user is (biometrics).Multi-factor Authentication in our online banking layers something you know, i.e. your User ID and Password, with something you have, a numeric passcode sent to a phone of your choice. The phone provides yet another layer of protection in that the passcode is sent via a communication method separate from the computer you are logging in from. This is called an out-of-band authentication measure. If a fraudster steals your username and password, but does not possess the time-sensitive numeric passcode sent to a phone of your choice, they are not able to authenticate. One-time use “cookies” can add additional security by authenticating that your personal computer is requesting access to your online banking, ensuring that a remote hacker is not attempting to log in from a non-recognized computer. Multi-Factor Authentication reduces the risk of compromised user credentials; password reset attacks, phishing attacks, key logger attacks and some Man-in-the-Middle attacks. If you mark your computer as “Private” for online banking, a small text file or “cookie” is sent to your computer from our online banking system. The data stored in the cookie is used only for identification and is encrypted. The cookie is active only as long as a browser is running and is deleted when your online banking session is closed.

Secure Messaging and E-Mail

E-mail messages sent from within our online banking system are secure. You may also contact us by phone, postal mail or in person of course.

Note: Regular Internet e-mail is not secure. Do not send confidential information such as social security or account numbers to us via regular e-mail.

Automated Time Out

This feature will automatically log you off of your current online session after a period of inactivity. Re-establishing and authenticating your credentials for your online session helps to reduce unauthorized access to your accounts.

Online Statements

By eliminating your paper statement, you stop thieves from stealing your information out of your mailbox. Electronic delivery of your statements is available through online banking. Alerts notify you of your next statement availability.

Check Images

View images of cleared check transactions on line to help prevent fraud.

Alerts

Deposit, payment, and balance alerts are financial tools we provide to help you to monitor your accounts more actively and detect suspicious activity more easily.

Challenge Questions

On the phone, you may be asked to respond to challenge questions, as we authenticate your identity and protect your information.